江西省农业保险发展情况的调研报告

发布时间：2018-05-21 19:43

本文选题：江西省 + 农业保险　；参考：《江西财经大学》2017年硕士论文

【摘要】：江西是一个农业大省,具有农村人口占比高、农副产品产值高、农产品品种多样等特点。同时,江西省又是全国范围内受自然灾害影响较为严重的省份之一。自然灾害的种类繁多且后续影响大,带来的衍生灾害严重制约了江西省的农业发展,进而导致经济发展缓慢。因此,农业保险所具有的稳定农民生产、促进农民增产增收、推动新型城镇化进程和农业现代化建设等作用对于江西省的农业发展显得格外重要。“十二五”期间,江西省的农业保险实现跨越式发展,开办险种增加到15个,累计为参保农户提供风险保障3443.9亿元,累计赔款达17.82亿元。但与江西省政府对于农业保险的财政补贴以及最初的预期设想相比,农业保险的开展现状未达到政府要求。基于此,笔者对于江西省农业保险的发展情况进行调研。通过此次调研了解江西省农业保险目前开展的现状以及实际中存在的种种问题,同时对此进行深入分析,并据此提出一些实用性强、符合江西省省情的农业保险发展建议及措施。本调研报告共分成四个部分。首先,本调研报告主要介绍了江西省农业的基本情况,包括农业生产现状和农业灾害情况两个方面,并以此为后续分析作铺垫。其次,本调研报告先对江西省农业保险目前开展的现状进行简要描述,再对实际过程中遇到的种种问题进行深入研究分析。这些问题既有市场集中度高,也有农民投保不积极、政策扶持力度不够,此外保单赔付率居高不下等问题亦同时存在。再则,本调研报告从江西省省情出发,结合美国、日本、印度以及国内几个代表性地区的农业保险发展情况,归纳出美、日、印以及代表性地区农业保险发展的成功经验。最后,本调研报告基于上述存在的问题提出了对策建议以及具体实施措施。具体对策包括:尽快制定与《农业保险条例》相配套的实施细则;合理化财政补贴,建立巨灾风险基金;加快推进农村土地流转,发展规模经营;从监管机构、经营机构、服务机构三个层次搭建适合江西省的农业保险组织经营框架;加强宣传以提高农民参保意识;吸引与鼓励高素质人才进入农业保险领域;最后,组建属于江西省自己的专业农业保险公司,促进市场的竞争。目前,江西省正处在由“大”转“强”的阶段,即由传统农业大省向现代农业强省转变。作为农业发展中最容易被忽略但却最重要的一环,农业保险应当尽快跟上江西省农业发展的速度,充分发挥分散和转移农业风险、增加农民收入、促进农业繁荣的作用。
[Abstract]:Jiangxi is a big agricultural province with the characteristics of high proportion of rural population, high output value of agricultural and sideline products and variety of agricultural products. At the same time, Jiangxi Province is also one of the provinces affected by natural disasters. There are many kinds of natural disasters and the subsequent influence is great. The derivative disasters seriously restrict the development of agriculture in Jiangxi Province and lead to the slow development of economy. Therefore, the role of agricultural insurance in stabilizing farmers' production, increasing farmers' production and income, promoting the process of new urbanization and agricultural modernization is particularly important for the development of agriculture in Jiangxi Province. During the 12th Five-Year Plan period, the agricultural insurance in Jiangxi Province developed by leaps and bounds, and the number of insurance types was increased to 15, providing 344.39 billion yuan of risk protection for participating farmers and 1.782 billion yuan of accumulated indemnity. However, compared with the financial subsidy of Jiangxi provincial government for agricultural insurance and the initial expectation, the present situation of agricultural insurance does not meet the requirements of the government. Based on this, the author investigated the development of agricultural insurance in Jiangxi Province. Through this investigation, we understand the current situation of agricultural insurance in Jiangxi Province and the existing problems in practice, at the same time, we make a deep analysis of this situation, and put forward some practicability based on it. Suggestions and measures for the development of agricultural insurance in line with the situation of Jiangxi Province. This research report is divided into four parts. Firstly, this research report mainly introduces the basic situation of agriculture in Jiangxi Province, including the current situation of agricultural production and the situation of agricultural disasters, and makes a foundation for the subsequent analysis. Secondly, this research report briefly describes the current situation of agricultural insurance in Jiangxi Province, and then deeply studies and analyzes the problems encountered in the actual process. These problems not only have high market concentration, but also have some problems, such as farmers are not active in insurance, the policy support is not enough, and the rate of payment of insurance policies is still high. Furthermore, this research report is based on the situation of Jiangxi Province, combined with the development of agricultural insurance in the United States, Japan, India and several representative regions in China, and concludes the successful experiences of the development of agricultural insurance in the United States, Japan, India and representative areas. Finally, based on the above-mentioned problems, the paper puts forward the countermeasures and implementation measures. The specific countermeasures include: formulating as soon as possible the detailed rules for the implementation of the Agricultural Insurance regulations; rationalizing financial subsidies and establishing catastrophe risk funds; speeding up the circulation of rural land and developing large-scale operations; Three levels of service organizations set up a suitable management framework of agricultural insurance organizations in Jiangxi Province; strengthen publicity to enhance farmers' awareness of participating in insurance; attract and encourage high-quality personnel to enter the field of agricultural insurance; finally, Set up the specialized agricultural insurance company that belongs to Jiangxi Province, promote the competition of the market. At present, Jiangxi Province is in the transition from "big" to "strong", that is, from traditional agricultural province to modern agricultural strong province. As the most neglected but most important link in agricultural development, agricultural insurance should keep up with the speed of agricultural development in Jiangxi Province as soon as possible, give full play to the role of dispersing and transferring agricultural risks, increasing farmers' income and promoting agricultural prosperity.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66

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